| GHA Federal Credit Union |
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| FACTS |
WHAT DOES GHA FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
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| WHY? |
Financial companies choose how they share your personal information. Federal law gives |
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consumers the right to limit some but not all sharing. Federal law also requires us to tell |
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you how we collect, share, and protect your personal information. Please read this notice |
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carefully to understand what we do. |
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| WHAT? |
The types of personal information we collect and share depend on the products or service |
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you have with us. This information can include: |
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Social Security Number and account balances |
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Checking account information and credit history |
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Payment history and transaction or loss history |
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When you are no longer our member, we continue to share your information as described |
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in this notice. |
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| HOW? |
All financial companies need to share members' personal information to run their everyday |
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business. In the section below, we list the reasons financial companies can share their |
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members' personal information; the reasons GHA Federal Credit Union |
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chooses to share and whether you can limit this sharing. |
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| Reasons we can share your personal information |
Does GHA FCU share? |
Can you limit this sharing? |
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| For our everyday business purposes - |
Yes |
No |
| such as to process your transactions, maintain your |
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| account(s), to respond to court orders and legal |
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| investigations, or to report to credit bureaus. |
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| For our marketing purposes - |
Yes |
No |
| to offer our products and services to you. |
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| For joint marketing with other financial companies |
Yes |
No |
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| For our affiliates' everyday business purposes - |
No |
We do not share |
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| For our affiliates' everyday business purposes - |
No |
We do not share |
| information about your creditworthiness |
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| For our affiliates to market to you |
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No |
We do not share |
| For nonaffiliates to market to you |
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No |
We do not share |
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| QUESTIONS? |
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Call 203-863-3185 or go to www.ghafcu.org |
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| Rev. 10/01/2011 |
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| Page 2 |
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| What we do |
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| How does GHA Federal Credit Union |
To protect your personal information from unauthorized access |
| Protect my personal information? |
and use , we use security measures that comply with federal law. |
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These measures include computer safeguards and secured files |
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and buildings. |
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| How does GHA Federal Credit Union |
We collect your personal information, for example, when you |
| protect my personal information? |
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Open an account or deposit money |
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Apply for a loan or provide employment information |
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Provide account information |
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We also collect your personal information from others, such as |
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credit bureaus, affiliates, or other companies. |
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| Why can't I limit sharing? |
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Federal law gives you the right to limit only |
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Sharing for affiliates' everyday business purposes - information about |
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your creditworthiness |
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Affiliates from using your information to market to you |
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Sharing for nonaffiliates to market to you |
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State law and individual companies may give you additional rights to |
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sharing. |
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| Definitions |
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| Affiliates |
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Companies related by common ownership or control. They can be |
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financial and nonfinancial companies. |
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GHA Federal Credit Union has no affiliates |
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| Nonaffiliates |
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Companies not related by common ownership or control They can be |
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financial and nonfinancial companies. |
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Nonaffiliates we share with can include insurance companies, |
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government agencies, plastic card processors (debit/ATM), |
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financial statement publishers or printers, consumer |
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reporting agencies, data processors, and check/share draft printers. |
| Joint Marketing |
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A formal agreement between nonaffiliated financial companies that |
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together market financial products or services to you. |
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Our joint marketing partners include CUNA Mutual's |
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MEMBERCONNECT and Discount Power |
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